Social Security Cola 2025 Estimate Increase. The 2.5 percent cola will bump up the estimated average social security retirement benefit by $49 a month, from about $1,927 to $1,976, starting in january, according to the ssa. With an increase of 2.5% in 2025, the cola will increase the average benefit to an expected $1,97, up from around $1,927 in 2024.

Beneficiaries will start to get higher checks from january 2025, even while inflation is decreasing. Some people receive both social security benefits and ssi).